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Yunas Qureshi

@yunasqureshi

Message

I am a secondary marketing and mortgage operations analyst optimizing pricing, rate locks, and hedging.

United States

Message

What I'm looking for

I'm seeking a senior secondary‑marketing or mortgage‑operations role where I can lead rate‑lock and pricing teams, drive hedging and process improvements, train staff, and grow within a collaborative, customer‑focused financial institution.

I am a finance and mortgage operations professional with nineteen years of experience in secondary marketing, rate‑lock management, mortgage pricing and MBS hedging across community banks, credit unions and regional lenders.

I manage daily rate sheets and locked pipelines, process and extend rate locks, update pricing systems such as Encompass and Optimal Blue, and coordinate MBS hedging activities to maintain optimal hedge ratios. I have trained loan officers and lock desk teams, conducted quality‑control audits for investor requirements, and created procedures for funding and rate modeling to improve consistency and accuracy.

I am a goal‑focused, dependable leader who excels at process improvement, team training, and cross‑functional coordination; I continually seek opportunities to learn and contribute measurable operational gains.

Experience

Work history, roles, and key accomplishments

Sr. Secondary Market Analyst

Sandy Spring Bank

Nov 2021 - Aug 2025 (3 years 9 months)

Managed rate lock operations and maintained secondary marketing policies, ensuring timely processing and accurate daily lock reports; coordinated MBS hedging and investor commitments to support loan delivery.

Rate Lock Ins Encompass Optimal Blue Pipeline Management Mortgage Servicing Investor Relations

Lock Desk Team Lead

NASA FCU

Sep 2020 - Nov 2021 (1 year 2 months)

Led the lock desk team, creating procedures and ensuring timely processing of rate locks and pricing for TPOs; delivered daily expiring/expired lock reports and trained staff while supporting funding workflows.

Rate Lock Ins TPO Pricing Team Leadership Training Daily Lock Reporting

Lock Desk Specialist

NASA FCU

Aug 2019 - Sep 2020 (1 year 1 month)

Processed and monitored investor rate locks and pricing, issued daily lock reports, and supported funding uploads and purchase advices to ensure timely loan delivery to investors.

Investor Pricing Lock Reporting TPO Support

Secondary Analyst

NFM Lending

Jul 2016 - Aug 2019 (3 years 1 month)

Monitored mortgage pricing and rate locks for loan officers, updated NYLX daily, and executed rate buy downs/buy ups to optimize borrower pricing and loan competitiveness.

Loan Pricing NYLX

Secondary Marketing Analyst

S3 Shared Service Solutions

Oct 2013 - Nov 2015 (2 years 1 month)

Managed mortgage pricing, rate locks and collateral delivery for three partner credit unions, reconciled funding and conducted QC audits for Fannie Mae and Freddie Mac to ensure accurate delivery.

Fannie Mae Freddie Mac Exception Management

QA Secondary Marketing Analyst

SECU

Oct 2010 - Oct 2013 (3 years)

Conducted post-settlement quality control reviews to ensure loan salability and compliance, managed investor delivery and custodial certification, and prepared training and recommendations based on audit findings.

Quality Assurance Investor Delivery Training

Loss Mitigation Specialist

Capital One

Jun 2009 - Oct 2010 (1 year 4 months)

Reviewed borrower financials and underwrote modification files to avoid foreclosure, prepared modification documents, and trained staff on modification procedures to support relocation of work.

Underwriting Financial Analysis Flood Title Escrow Review Training